DCLT Permanently Affordable Homeownership Program (Community Land Trust)

DCLT Permanently Affordable Homeownership Program (Community Land Trust) es un préstamo de plusvalía compartida para compradores de vivienda en Durham, North Carolina, a cargo de Durham Community Land Trustees, Inc. Durham Community Land Trustees provides permanently affordable homeownership through the community land trust shared-equity model. DCLT retains ownership of the land (leased to the homeowner for 99 years, renewable, at a low monthly fee) while the buyer owns the home. A resale formula limits the seller's share of appreciation (25-45%) so homes stay affordable. Buyers must earn at or below 80% AMI for Durham County, occupy as primary residence, qualify for a partner-lender mortgage, and complete land trust orientation plus HUD-certified homebuyer education. Below-market purchase prices on permanently affordable homes. low monthly land-lease fee. build limited equity (25-45% of appreciation). ongoing DCLT stewardship. Los fondos provienen de Partners include City of Durham, Durham County, NC Dept of Housing, Wells Fargo, PNC Bank, Coastal Credit Union Foundation, Burt's Bees Foundation, The Conservation Fund, NALCAB.

DCLT Permanently Affordable Homeownership Program (Community Land Trust) es un préstamo de plusvalía compartida y se reembolsa según los términos que fija Durham Community Land Trustees, Inc.. El reembolso se activa por Resale of the home; DCLT retains a repurchase option. Homeowner receives original price plus 25-45% of appraised appreciation. Los términos de condonación y reembolso los fija el programa y pueden cambiar; confírmalos en la página oficial del programa antes de presentar la solicitud.

DCLT Permanently Affordable Homeownership Program (Community Land Trust) está abierto a compradores de vivienda que vivirán en la vivienda como su residencia principal. Sobre el crédito, el programa indica: Not stated; buyer must qualify for a mortgage through a partner lender. Se requiere un curso de educación para compradores de vivienda, a través de DCLT land trust orientation plus HUD-certified homebuyer education (locally led by DHIC). Shared-equity CLT, not cash DPA. Assistance amount/percentage, interest rate, lien position, credit, DTI, min contribution not published (left blank). Exact shared-equity percentage per sale (within 25-45%) not specified online. No standalone guidelines PDF on site; income limits and resale formula are on-page content.

DCLT Permanently Affordable Homeownership Program (Community Land Trust) limita el ingreso del hogar al 80% del ingreso mediano del área, que varía según el condado y el tamaño del hogar. Total household income at or below 80% AMI for Durham County. 2026 80% AMI limits: 1=$71,200; 2=$81,400; 3=$91,550; 4=$101,700; 5=$109,850; 6=$118,000. El límite se aplica al ingreso total del hogar, no solo al del prestatario. Las cifras del ingreso mediano del área las publica HUD y se actualizan cada año, así que consulta la tabla vigente del condado antes de basarte en una cifra.

DCLT Permanently Affordable Homeownership Program (Community Land Trust) limita el precio de compra así: Set per home; current listings $248,000-$280,000 (resale-restricted). No published program-wide max. Los tipos de propiedad elegibles incluyen Single Family y Townhouse. La construcción nueva es elegible.

DCLT Permanently Affordable Homeownership Program (Community Land Trust) atiende a compradores de vivienda que compran en Durham, North Carolina. El programa se dirige a áreas específicas: DCLT properties concentrated in Durham neighborhoods: West End, Southside & Hayti, East Durham, Central Durham, Lakewood Park, plus Everton, Carpenter Falls, ECO Grace.

Las solicitudes de DCLT Permanently Affordable Homeownership Program (Community Land Trust) se tramitan a través de Durham Community Land Trustees, Inc., que publica los términos vigentes y los pasos de la solicitud en su propio sitio. Los fondos se reservan a través de Attend a free homebuyer info session, complete land trust orientation and HUD-certified homebuyer education, then apply; waitlist available. Hey Prescott no es un prestamista y no acepta solicitudes; esta página describe el programa para que un comprador de vivienda pueda llevarlo a un prestamista o a un asesor de vivienda.